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Merchants Bancorp (MBIN) Reports Q3 Earnings: What Key Metrics Have to Say
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Merchants Bancorp (MBIN - Free Report) reported $224.94 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 31.5%. EPS of $2.06 for the same period compares to $0.97 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $184.13 million, representing a surprise of +22.17%. The company delivered an EPS surprise of +48.2%, with the consensus EPS estimate being $1.39.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Merchants Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net interest margin: 2.8% compared to the 2.8% average estimate based on three analysts.
Efficiency Ratio: 35.4% versus 40.2% estimated by three analysts on average.
Average Earning Assets: $20.23 billion compared to the $20.39 billion average estimate based on three analysts.
Tier I capital/risk-weighted assets Ratio: 12.8% versus the two-analyst average estimate of 12.2%.
Total capital/risk-weighted assets Ratio: 13.3% compared to the 12.6% average estimate based on two analysts.
Tier I capital/average assets: 11.5% versus 11.4% estimated by two analysts on average.
Loan servicing fees, net: $34.23 million compared to the $6.08 million average estimate based on three analysts.
Syndication and asset management fees: $6.05 million versus $6.14 million estimated by three analysts on average.
Other income: $19.75 million versus $7.62 million estimated by three analysts on average.
Mortgage warehouse fees: $1.7 million versus $1.98 million estimated by three analysts on average.
Total Noninterest Income: $80.77 million versus $39.16 million estimated by three analysts on average.
Gain on Sale of Loans: $19.05 million versus $17 million estimated by three analysts on average.
Shares of Merchants Bancorp have returned +0.2% over the past month versus the Zacks S&P 500 composite's -0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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Merchants Bancorp (MBIN) Reports Q3 Earnings: What Key Metrics Have to Say
Merchants Bancorp (MBIN - Free Report) reported $224.94 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 31.5%. EPS of $2.06 for the same period compares to $0.97 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $184.13 million, representing a surprise of +22.17%. The company delivered an EPS surprise of +48.2%, with the consensus EPS estimate being $1.39.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Merchants Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Merchants Bancorp here>>>
Shares of Merchants Bancorp have returned +0.2% over the past month versus the Zacks S&P 500 composite's -0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.